Bank of South Texas
McAllen, TX · Cert 26727 · Peer group: banks under $1B in assets in TX (n=208-211)
State charter, non-member · FDIC · 8 branches
Q2 2026
$174.5MAssets
$125.9MLoans
$141.1MDeposits
$31.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
- Widest gap: efficiency ratio trails 83% of banks under $1B in assets in TX (rank 177 of 211).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.08%
Rank 121 of 211
Net Interest Margin
6.17%
Rank 3 of 211
Efficiency Ratio
79.08%
Rank 177 of 211
Equity / Assets
18.18%
Rank 13 of 211
Non-interest income vs. expense
Unfavorable gap of $8.1M · efficiency ratio beats 17% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.08% | 0.87% | 1.20% | 1.65% | Beats 43% | 121 / 211 | | |
| Return on Equity | 5.92% | 7.52% | 11.67% | 14.58% | Beats 19% | 170 / 211 | | |
| Net Interest Margin | 6.17% | 3.28% | 3.82% | 4.31% | Beats 99% | 3 / 211 | | |
| Efficiency Ratio | 79.08% | 53.01% | 64.18% | 73.65% | Beats 17% | 177 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.01% | 0.30% | 1.10% | Beats 55% | 94 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 16.63% | 11.72% | 14.45% | 19.57% | Beats 64% | 77 / 211 | | |
| Total Risk-Based Capital Ratio | 16.63% | 11.94% | 14.78% | 20.30% | Beats 61% | 82 / 211 | | |
| Equity / Assets | 18.18% | 9.41% | 11.06% | 12.94% | Beats 94% | 13 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.22% | 45.39% | 66.56% | 82.03% | 88th pctl | 24 / 208 | | |
| Loans / Assets | 72.11% | 39.13% | 56.90% | 70.46% | 80th pctl | 42 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |